XM: Can I easily open an account using the smartphone app (iPhone/Android)? We will explain the latest official required documents and how to use the mobile app. XM has also released a smartphone version, which is highly recommended as it makes trading very easy.
XMtrading
| Operating company (運営会社) | Tradexfin Limited Fintrade Limited |
| Head office location(本社所在地) | Unit E, F28, Eden Plaza, Eden Island, Republic of Seychelles |
| Founding year(創業年) | 2009 |
| Financial License(金融ライセンス) | セーシェル金融サービス規制当局（FSA）SD010：Tradexfin Mauritius Financial Services Commission (FSC：モーリシャス金融サービス委員会)：Fintrade Limited Cyprus Securities and Exchange Commission (CySEC)：Trading Point of Financial Instruments Ltd |
| Language support（言語対応） | English、日本語、Malay、Thai |
| Platform(トレードツール) | MetaTrader 4 (MT4)／MetaTrader 5 (MT5) |
| Service Countries（サービス提供国） | Over 190 countries（190か国以上） |
| Number of users（利用者数） | Over 1 million accounts、（100万口座突破） |
| Max Leverage(最大レバレッジ) | 1000x |
| Eligible products（対象商品） | Forex、Metal、Stocks、Equity Indices / Index CFD、Energy CFD、Commodities、Cryptocurrency |
Basic information for opening an XM account
This article summarizes basic information for beginners regarding opening an XM account. Knowing this before opening an account will help you get started smoothly. Members must register and create a profile themselves in order to use the services offered. The company is licensed by the Financial Services Agency, so you can rest assured. It offers a wide range of content, including cryptocurrencies, dollars, and gold. Please see the details below.
1️⃣ What you need to open an account
Identity Verification Documents (KYC)
Driver’s license, passport, My Number Card, etc.
Submit documents in color, clearly, and with all information visible.
Address Verification Documents
Utility bill, resident registration card, bank statement, etc.
Issued within the last three months is recommended.
Email address and phone number
A document that can receive confirmation emails from XM.
Your phone number may be used for SMS authentication.
2️⃣ Account Type
XM offers three main types of accounts:
| Account Type | Features | Bonus Eligibility |
|---|---|---|
| Micro（マイクロ） | For small transactions. 1 lot = 1,000 units | Eligible for account opening bonus and deposit bonus |
| Standard（スタンダード） | Standard account. 1 lot = 100,000 units | Eligible for account opening bonus and deposit bonus |
| Zero / KIWAMI極 | Smallest spreads but commissions | Bonus not applicable |
3️⃣ Account Currency and Leverage
- Account currency: Choose from JPY, USD, EUR, AUD, etc.
- Maximum leverage: 888x (varies depending on account type and amount of funds).
- High leverage carries higher risk, so beginners are recommended to set it conservatively.
4️⃣ Account opening procedure
- Visit the XM official website → Click the “Open an Account” button
- Enter your personal information
- Name, email, phone number, address, etc.
- Select your account type, account currency, and leverage
- Upload your identification documents
- You will receive an account opening confirmation email from XM
- Log in with MT4/MT5 and start trading
XM Account Opening Conditions
The requirements for opening an XMTrading (XM) account are surprisingly simple, but you must meet them before you can open an account, so it’s important to understand them properly in advance. Below is a summary of the basic requirements as of 2025. You can also receive a limited bonus as margin. You can launch and start trading within an hour. Customers should do the math, read the market, and take advantage of opportunities according to their goals.
Age and place of residence
- 18歳以上であること
- Your residence must be in a country/region that XM supports — even if you live in Japan. Since it is an overseas FX, there is no obligation to submit your My Number like there is for domestic FX.
There is information that you can apply even if you are unemployed, on leave, or have no income.
・Submit documents to verify your identity and address
To activate your account, you will need to submit two documents:
Identity Verification Documents (ID)
Example: A valid form of identification such as a passport, driver’s license, or national ID card. It must clearly state your name, date of birth, and expiration date.
Address Verification Documents (Proof of Current Address)
Example: A recent utility bill, internet/cell phone bill, bank statement, etc. (usually within the last three months). It must match your current address.
*Documents can be uploaded online. Mailing or faxing is often not required.
・Register your email address and login information
- A valid email address is required when registering. After registration, a confirmation email will be sent.
- You will then be issued login information (server number, etc.) for using MT4 or MT5.
・Identity verification (KYC) completed
- After submitting your documents, your account must pass XM’s screening and be approved for “account activation.” Until this is complete, you will not be able to deposit, trade, or receive bonuses.
- Activation usually takes 30 minutes to several hours from the time of document submission, but in some cases up to one business day.
⚠️ Important points and restrictions
- Account currency cannot be changed later — The currency selected when opening an account (JPY/USD/EUR, etc.) will be the base currency for your account. If you want to change it, you will need to create a new account.
- Maximum number of accounts — Each person can open up to 8 accounts. This is convenient if you want to use different accounts for different purposes or currencies.
- Corporate accounts are currently not accepted — Only accounts in personal names are accepted. Applications for corporate accounts cannot be made.
🎯 Supplement: Ease of application
- The process takes around 5 minutes to complete, and after identity verification, activation can take anywhere from a few minutes to the same day.
- There’s no cost — there are generally no fees or annual fees to open or maintain an account.
How to download the smartphone app and how to open an XM account
To use XM on your smartphone, you must first download the app and fully open an account. This article summarizes how to download the smartphone app and the steps for opening an XM account for beginners. Some features and details are unique. Follow the guide to install the app now. The app allows you to compare rates while starting and continuing your trades. Many of the features are publicly available.
1️⃣ How to download the XM smartphone app
For iOS (iPhone/iPad)
Open the App Store
Enter “XM MT4” or “XM MT5” in the search bar
Find the official app and tap “Get”
After installation is complete, the app icon will appear on your home screen.
For Android
Open the Google Play Store
Enter “XM MT4” or “XM MT5” in the search bar
Find the official app and tap “Install”
After installation is complete, open the app and prepare to log in.
💡 Tip
MT4 and MT5 have slightly different trading environments, so choose the one you prefer.
Unofficial apps are risky, so always check “MetaQuotes Software Corp.” or the official XM app.
2️⃣ XM account opening procedure (from smartphone)
Step 1: Access the XM official website
Access from your smartphone browser
Tap the “Open an Account” or “Open a Free Account” button
Step 2: Enter your personal information
Enter your name, email address, phone number, country of residence, etc.
Select your account type (Micro/Standard/Zero)
Select your base currency (JPY/USD/EUR, etc.)
Select your leverage (lower leverage recommended for beginners)
Step 3: Submit your identification documents (KYC)
ID: Passport, driver’s license, etc.
Address verification: Utility bill, resident registration, etc.
Upload a color image and ensure the information is clear
Step 4: Check your account opening completion email
Check your “login ID” and “server number” in the email sent to you by XM
Log in to the MT4/MT5 app using the information in the email
Step 5: Deposit and Receive Your First Bonus
You can trade with the account opening bonus (e.g., $30) without making a deposit
If you deposit, you can also receive a deposit bonus (only during campaigns)
3️⃣ Points to note
- The account opening bonus is limited to one per person. It is not applicable to reopened or zero-value accounts.
- Deposits and trades cannot be made until the document review is complete.
- MT4 and MT5 have different trading methods and indicators, so please check when selecting an app.
Points to note when opening an XM account
When opening an XM account, there are a few things to keep in mind to ensure a smooth start to trading. We’ve compiled a list of common mistakes beginners often make and answers to frequently asked questions. The content automatically displays the latest chart data, which is convenient. Take advantage of market opportunities in real time. There are also many perks, and you can trade everything from Bitcoin to foreign exchange through the mobile app.
1️⃣ Select your account type
Eligible Accounts
Standard Account / Micro Account: Eligible for account opening bonus and deposit bonus
Excluded Accounts
Bonuses are not available for Zero Accounts or KIWAMI Goku Accounts.
Points
Beginners should choose the Standard or Micro account, as they are more likely to receive bonuses.
2️⃣ Submit your KYC (Identity Verification and Address Verification)
Required Documents:
Identification: Passport, driver’s license, etc.
Address Verification: Utility bill, resident registration card, bank statement, etc.
Notes:
Documents must be clear and in color.
Must be issued within the last three months.
Incomplete or unclear documents may delay the application process or prevent the bonus from being applied.
3️⃣ Enter your personal information
- Ensure your name, address, phone number, and email address match those on your official documents.
- If your registration information does not match your identification documents, you may have problems opening an account or making deposits or withdrawals.
- Use an email address that will receive a confirmation email.
4️⃣ Account Currency and Leverage
Account currency cannot be changed later.
Choose from JPY, USD, EUR, etc.
Choose based on capital management and exchange rate losses.
Leverage
Up to 1000x is possible, but beginners are recommended to start with a lower leverage.
5️⃣ Claim your bonus
- Check the box to claim the bonus when opening an account.
- If you have previously opened an account with XM, you are not eligible.
- If you forgot to claim your bonus, you may be able to check and claim it from your My Page.
Reasons why you cannot open an XM account and how to deal with it
There are several reasons why you may have trouble opening an XM account. We have organized solutions for each reason so that even beginners can easily understand. We will explain our strategy. Trading requires a considerable amount of basic knowledge. Learn to win in markets that rise and fall suddenly. Push notifications and message functions are now available for peace of mind.
1️⃣ Age and residence restrictions
Reason
XM does not allow anyone under the age of 18 to open an account.
You cannot open an account if you reside in a country or region not supported by XM. Market access is not available in North Korea, Syria, Iran, etc.
Solution
Make sure you are 18 years of age or older.
Check the official website to see if your place of residence is a supported country for XM.
If your place of residence is not supported, consider an overseas FX broker other than XM.
2️⃣ Incomplete identity and address verification (KYC)
Reason
Submitted documents are unclear, expired, or have inconsistent information.
Solution
Take clear color photos of your documents.
Submit address verification documents issued within the last three months.
Make sure the name and address on your documents match your registration information.
3️⃣ Email address or phone number issues
Reason
You registered an invalid email address, or the confirmation email ended up in your spam folder.
You entered the wrong number during SMS authentication.
Solution
Use a valid email address.
Check your spam folder.
Enter your phone number correctly, including the country code + 81 (for Japan).
4️⃣ I have already opened an XM account
Reason
XM’s account opening bonus is limited to one per person.
If you have previously opened another account, you may not be eligible for the bonus.
Solution
Give up on the bonus and open a regular account.
If you really want to use the bonus, create a new account with a new email address and new identity verification information (note: as long as it does not violate the terms of service).
5️⃣ Account type/bonus application error
Reason
I accidentally selected a Zero or KIWAMI account.
I forgot to apply for a bonus.
Solution
Beginners should select a Standard or Micro account.
Be sure to check the bonus application box when opening an account.
6️⃣ System/browser issues
Reason
Registration is unavailable due to browser cache or cookies.
The XM server is temporarily congested.
Solution
Clear your browser cache and cookies.
Retry using a different browser or smartphone.
Try again after some time has passed.
7️⃣ Non-activation before deposit/trading
Reason
You cannot deposit or trade because KYC has not been completed.
Solution
Check the approval status of your ID documents on your My Page.
Contact XM Support to check the approval status.
Procedures after opening an XM account
After opening an XM account with a brand, you’ll need to complete several procedures before you can agree to the terms and start trading. We’ve organized the process step by step for beginners. We recommend using a smartphone, as it’s easy to receive and send emails from your My Page. Important notifications are also easily received.
1️⃣ Complete your KYC (Know Your Customer)
Necessity: Your account will be inactive immediately after opening, so you will not be able to deposit or receive bonuses.
Documents to be submitted:
Personal identification: Passport, driver’s license, etc.
Address verification: Utility bill, resident registration card, bank statement, etc.
Key points:
Photograph documents clearly in color.
Address verification documents must be issued within the last three months.
2️⃣ Confirm account activation
- After your KYC documents are approved, you will receive an account activation email from XM.
- Log in to MT4/MT5 and check the “Credits” column to see if your bonus and initial balance are reflected.
3️⃣ Preparing the trading platform
Installing MT4/MT5
Install the app on your smartphone or PC
Enter your login information
Use your login ID, password, and server number
Practice on a demo account (optional)
Beginners should check the operation of a demo account before trading on a real account.
4️⃣ Deposit procedure (optional)
- At XM, you can trade with just the account opening bonus.
- If you make an additional deposit, you may receive a deposit bonus.
- Deposit methods: Credit card, bank transfer, e-wallet, etc.
5️⃣ Confirmation of Bonus Receipt
Account opening bonus (e.g., $30)
Trading is possible without a deposit
The bonus itself cannot be withdrawn
Profits earned from the bonus can be withdrawn
Deposit bonus (during the campaign period)
Awarded according to the amount deposited
Profits can be made using the bonus
6️⃣ Preparing for your first trade
Select a currency pair or CFD
Check trading size (lots) and leverage
Manage risk
Set stop-loss orders
Check account balance and bonus ratio
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